I do have liability umbrella insurance, but I want to set up a better business structure for long term growth the correct way.

Not sure why when I'm searching for something and the first results are ones that pop up from 8 years ago and have no replies...

Would recommend 6 acres up to 15 acres.Stop by the Building/Zoning department. 

(Often, they end up coming back to fix the deal after they realize that you get what you pay for, yes, even in lending). 

A real estate developer rented out my family’s backyard and put up scaffolding to build a building complex in Queens, New York.The developer and my family signed a contract allowing them to use the backyard.

I’d make sure your business plan lines up with these rules to avoid any problems.

I plan to use this line of credit to put down 20% on a property for a DSCR loan (DTI is too high for a vacation home/investment loan), and I do have about $20,000 of reserves saved up.

When I went into the bank they said they cannot open the account with this kind of set up.

We already have hard money lined up to cover the mortgage and rehab.  

Our drywall subcontractor also sealed up a few vents which caused some rework.